As members of Congress debated changes to the tax code in late 2017, several substantive retirement-related ideas were on the table, including a proposal to cap pretax contributions to workplace retirement plans, effectively steering more and more savers to the Roth option.

When the laws were finalized, however, those more controversial provisions went by the wayside, and very little about the retirement-planning landscape actually changed. There's a notable exception, however: The new tax laws put an end to what's called an IRA recharacterization, a strategy that enables retirement savers to reverse an IRA conversion--switching a traditional IRA back to a Roth or vice versa.

Christine Benz does not own shares in any of the securities mentioned above. Find out about Morningstar's editorial policies.